You might be wondering, “Can I change my Medicare plan at any time?” or “When is the right time to make changes?” Medicare’s Open Enrollment Period, runs from October 15—December 7, is your annual opportunity to review your current coverage and make updates for the year ahead.

During this time, you can:

• Join, switch, or drop a Medicare Advantage plan
• Enroll in or change your Medicare Part D prescription drug plan (Please note: Medigap policies are not included in this enrollment period)
• Medigap coverage can be reviewed at any of the year.

The decisions you make during Open Enrollment can significantly affect your health care costs and coverage. To help you make informed choices, here are three key steps to prepare for Medicare’s Open Enrollment.

Step 1: Review Your Annual Notice of Change

Medicare plans can change from year to year, so it’s essential to make sure your current plan still meets your needs. Before Open Enrollment begins, you should receive your plan’s Annual Notice of Change typically in September. This document outlines any updates to your plan’s costs, coverage, and provider network for the upcoming year. Take time to review it carefully. Even small changes could affect your out-of-pocket expenses or access to care.

Step 2: Assess Your Coverage Needs.

After reviewing your Annual Notice of Change, take time to evaluate whether your current Medicare plan still aligns with your health care needs. Ask yourself:

• Have your health needs changed? Did you start seeing new specialists or require different services this year? Make sure your current plan still covers the care you need.
• Are your preferred providers and services included? If you’re considering a Medicare Advantage plan, check whether your doctors, specialists, and treatments are in-network.
• Are your prescriptions covered? Confirm that the plan includes all the medications you expect to need in 2025. Look out for restrictions such as quantity limits or prior
• What are your out-of-pocket costs? Understand what you’ll pay for doctor visits, hospital stays, and prescriptions. Keep in mind that most plans have an annual out-of-pocket maximum, but this usually doesn’t include drug costs.

Carefully comparing your options now can help you avoid unexpected expenses and ensure you get the care you need in the year ahead.

Step 3: Get Trusted Advice

Choosing the right Medicare plan can feel overwhelming, especially with so many options and details to consider. Wexford Council on Aging has certified Medicare counselors available to help you understand your coverage options and make informed decisions. These professionals can provide personalized guidance based on your specific need at no cost to you.

Medicare Plan Finder & Support Hotline: Use the Medicare Plan Finder to compare plans based on your prescriptions, providers, and preferences. You can also call (1-877-486-2048) to speak with a representative. Support is available 24/7, except on some federal holidays.

Start exploring your options early so you have time to make confident, informed decisions. With the right support, you don’t have to navigate Medicare Open Enrollment alone. https://www.ncoa.org/article/3-ways-to-prepare